Archive for August 2024
Why It Would Be Ludicrous To Invest In These Model Portfolios
Arguably no one has done more to educate Canadian do-it-yourself investors than the PWL Capital teams of Dan Bortolotti and Justin Bender, and Benjamin Felix and Cameron Passmore. It began more than a decade ago with Dan’s incredibly popular Canadian Couch Potato blog and podcast. Since then, Dan teamed up with PWL’s Justin Bender, who…
Read MoreForget About Asset Location: Why You Should Hold The Same Asset Mix In All Accounts
Much has been written about optimizing your portfolio(s) for tax efficiency by placing certain investments or asset classes in certain accounts. This tax planning strategy is called asset location. In this article I’m going to explain what asset location is all about, what optimal asset location can achieve, and why you should forget about it…
Read MoreVanguard All Equity ETF (VEQT): My New One-Ticket Investing Solution
Vanguard changed the self-directed investing game in Canada with the launch of its new suite of asset allocation ETFs. Now investors can get an ultra low cost, globally diversified portfolio of equities and bonds with just one product. The funds first came in three flavours – VCNS, VBAL, and VGRO – each with a different…
Read MoreWeekend Reading: Pitfalls of Leaving Your Advisor Edition
A commonly held view in the do-it-yourself investing community is that to maximize returns one simply needs to cut ties with their expensive advisor and manage their own portfolio. On the surface, this makes sense. Costs matter, so if you can slash your investment fees from 2% down to 0.5% or lower your returns will…
Read MoreWeekend Reading: Stocks Fall to Prices Not Seen Since June Edition
Hopefully by now my financial planning clients and blog readers have been conditioned to ignore short term drops in the market – even big ones like we experienced this past week. The reason why stocks have such attractive long-term returns is because they ARE risky to own in the short-term. That’s a feature, not a…
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